Health Plan Guide 2016

S M A R T
Smart Plan
PLAN
B
 Your health
is everything

1
 The Discovery Health Medical
Scheme is the best choice for you

With Discovery Health Medical Scheme,

you get access to comprehensive healthcare benefits at a lower cost,
with a suite of tools and services to manage your health and your health plan

SOUTH AFRICA’S N o . 1 CHOICE

CONSUMERS BUSINESS

WORLD-LEADING HEALTH INSURANCE

In a global study by Deloitte, Discovery Health Medical Scheme has been ranked among
the top 3 health insurers in the world since 2008, based on financial security, contribution levels,
membership and innovation.

The benefits explained in this brochure are provided by Discovery Health Medical Scheme, registration number 1125, administered by Discovery Health (Pty) Ltd,
registration number 1997/013480/07, an authorised financial services provider. This brochure is only a summary of the key benefits and features of Discovery
Health Medical Scheme plans, awaiting formal approval from the Council for Medical Schemes. In all instances, Discovery Health Medical Scheme Rules prevail.
Please consult the Scheme Rules on www.discovery.co.za. When reference is made to “we” in the context of benefits, members, payments or cover, in this brochure
this is reference to Discovery Health Medical Scheme. Vitality is a separate wellness product sold and administered by Discovery Vitality (Pty) Ltd. Registration
number 1999/007736/07, an authorised financial services provider.

2
 Comprehensive Better Better Lower
benefits healthcare health cost

Choose from Access to wide- The opportunity Lowest

22 plans, which ranging benefits, to join the world’s contributions,
all offer rich care programmes leading science- which are on
benefits with and services based wellness average 14% lower
unlimited private that ensure you programme, than contributions
hospital cover, and your doctor Vitality, that gives for comparable
and full cover can access the you access to and cover with other
in our extensive best healthcare rewards you for South African
healthcare available when a healthy lifestyle. medical schemes.
networks. you need it.

Tools to manage your plan

Technology that empowers you and your doctor to manage

your health and your health plan.

The lower cost analysis is a comparison of our contributions with competitor contributions, based on internal analysis of publicly available marketing material.

Vitality is not part of the Discovery Health Medical Scheme. Vitality is a separate wellness product sold and administered by Discovery Vitality (Pty) Ltd.
Registration number 1999/007736/07, an authorised financial services provider.

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 Key features

Benefits available on the Smart Plan

The Smart Plan embraces the dynamic world of digital technology,

empowering you to manage your health plan

Unlimited private hospital cover Unlimited cover for GP consultations with a

in the Smart Plan network R50 co-payment in our Smart Plan network

Guaranteed full cover in hospital for Rich cover for a defined list of acute
specialists we have a payment arrangement medicine with a R10 co-payment per item
with, and up to 200% of the Discovery Health in our Smart Plan network
Rate for other healthcare professionals
Full cover for video call consultations
Full cover for chronic medicine for all with a GP in a Smart Plan network
Chronic Disease List conditions when
you use MedXpress, Clicks or Dis-Chem Cover for medical emergencies
when travelling

Vitality is not part of the Discovery Health Medical Scheme. Vitality is a separate wellness product sold and administered
by Discovery Vitality (Pty) Ltd. Registration number 1999/007736/07, an authorised financial services provider. 4
 You get unlimited hospital cover

There is no overall limit to hospital cover on all Discovery Health Medical Scheme plans.
Your hospital cover is made up of the account from the hospital and the accounts
from your admitting doctor, anaesthetist and any other approved healthcare professional.

Unlimited cover Emergencies are covered in full

in private hospitals
If you have an emergency, you can go straight
For any planned or non-emergency admission to hospital. If you need medically-equipped
you need to call us to confirm your admission. transport, call Discovery 911 on 0860 999 911.

The Smart Plan offers cover for planned

admissions in the Smart Plan network. How we cover your hospital
For planned admissions at hospitals outside
and related accounts
the network, you will have to pay R7 500
of the hospital account. We cover your hospital account from your
Hospital Benefit.

Doctors, specialists and other healthcare

Discovery HomeCare –
an alternative to a hospital stay
Discovery HomeCare is a unique home-
based service that offers you quality
care in the comfort of your own home
(see page 21).
professionals we have a payment arrangement
with are covered in full for approved procedures
in hospital. You benefit from access to the broadest
range of specialists, which represents over 90%
of our members’ specialist interactions. If you use
healthcare professionals we don’t have payment
arrangements with, we will pay at the rate applicable
to your plan (see page 7).

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Prescribed Minimum Benefit (PMB) conditions

In terms of the Medical Schemes Act of 1998 If your treatment doesn’t meet the above criteria,
(Act number 131 of 1998) and its Regulations, we will pay up to 80% of the Discovery Health Rate.
all medical schemes have to cover the costs You will be responsible for the difference between
related to the diagnosis, treatment and care of: what we pay and the actual cost of your treatment.

A life-threatening emergency
medical condition; and What is the Discovery Health Rate (DHR)
A defined list of 270 diagnoses.
A defined list of 27 chronic conditions. This is a rate set by us at which healthcare services
from hospitals, pharmacies and healthcare
To access Prescribed Minimum Benefits,
professionals are paid.
there are rules that apply:

Your medical condition must qualify

for cover and be part of the defined list
of Prescribed Minimum Benefit conditions
The treatment needed must match the
treatments in the published defined benefits
You must use designated service providers
(DSPs) in our network. This does not apply
in life-threatening emergencies. However
even in these cases, where appropriate
and according to the rules of the Scheme,
you may be transferred to a hospital or other
service providers in our network once your
condition has stabilised.

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 Hospital cover

We cover you in hospital for emergency and planned hospital admissions

There is no overall limit for your hospital cover. This is how we cover your hospital account
and accounts from your admitting doctor, anaesthetist or other approved
healthcare professionals (related accounts):

Hospital accounts

Hospital account Covered in full at the rate agreed with the hospital

Upfront payments for planned admissions

R7 500
outside of the Smart Plan Hospital Network

Related accounts

Specialists we have a payment arrangement with Full cover

Specialists we don’t have a payment arrangement

200% of the DHR
with and other healthcare professionals

Radiology and pathology 100% of the DHR

MRI and CT scans If done as part of your admission, we cover your scan
up to 100% of the DHR from the Hospital Benefit.
If not related to your admission or if for conservative back
and neck treatment, you will have to pay the first R2 750
and the balance will be paid from the Hospital Benefit.

Scopes You must pay the first R3 550 of the hospital account.
(gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy) The balance of the hospital account and related
accounts will be paid from the Hospital Benefit.

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 Hospital cover

Healthcare services with an annual limit

Cochlear implants, auditory brain Mental health

implants and processors
21 days or 15 out-of-hospital consultations
R197 000 for each person for each year for each person

Internal nerve stimulators Alcohol and drug rehabilitation

R135 500 for each person 21 days for each person

Hip, knee and shoulder Chronic dialysis

joint prostheses
There is no overall limit if you get your
prosthesis from our preferred suppliers.
If you choose not to, a limit of R38 200
applies to each prosthesis.
We cover these expenses in full if we have
approved your treatment plan and you
use a provider in our network.
If you go elsewhere you have to make
a co-payment.

Prosthetic devices used

in spinal surgery

There is no overall limit if you get your

prosthesis from our preferred suppliers.
If you choose not to, a limit of R25 500
for the first level, R51 000 for two or
more levels, limited to one procedure
for each person each year.

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 Hospital cover

Cover for dental treatment in hospital

Severe Dental and Oral Surgery Dental limit

The Severe Dental and Oral Surgery Benefit covers
a defined list of procedures, with no upfront
payment and no overall limit. This benefit is subject
to authorisation and the Scheme’s clinical rules.
There is no overall dental limit. However, you
must pay for the cost of all dental appliances,
their placements and orthodontic treatment
(including the related accounts for orthognathic
surgery) yourself.

Other dental treatment in hospital

Amount you need to pay upfront

You need to pay a portion of your hospital when you go to:
or day clinic account upfront for dental admissions.
This amount varies, depending on your age Hospital
and the place of treatment.
Younger than 13 R1 850
We pay the balance of the hospital account from
your Hospital Benefit, up to 100% of the DHR. We 13 and older R4 800
pay the related accounts, which include the dental
Day clinic
surgeon’s account, from your Hospital Benefit, up
to 100% of the DHR. On the Smart Plan, we pay Younger than 13 R850
anaesthetists up to 200% of the DHR.
13 and older R3 100
For members 13 and older, you must pay for routine,
conservative dentistry, such as preventive treatments,
simple fillings and root canal treatments yourself.

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 You get extensive cover for chronic
conditions and cancer

Members living with a chronic illness or cancer get the best care
and support at all times through our suite of programmes

Chronic Illness Prescribed Minimum Medicine cover for

Benefit (CIB) Benefit (PMB) conditions the Chronic Disease List

The Chronic Illness Benefit
(CIB) covers you for a defined
list of chronic conditions.
You need to apply to have
your medicine covered
for your chronic condition.
You have access to a list
of medical conditions and
treatments under Prescribed
Minimum Benefits (PMBs).
The PMBs cover the 27 chronic
conditions on the Chronic
Disease List (CDL) conditions
(see page 6).
You get full cover for approved
chronic medicine on our
medicine list.
How we pay
for medicine
We pay for medicine up to
a maximum of the Discovery
Health Rate for medicines.
The Discovery Health Rate
for medicines is the price
of medicine as well as a fee
for dispensing it.

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 Chronic conditions we cover

Chronic Addison’s disease, Asthma, Bipolar mood disorder, Bronchiectasis, Cardiac failure, Cardiomyopathy, Chronic
Disease obstructive pulmonary disease (COPD), Chronic renal disease, Coronary artery disease, Crohn’s disease,
List (CDL) Diabetes insipidus, Diabetes type 1, Diabetes type 2, Dysrhythmia, Epilepsy, Glaucoma, Haemophilia, HIV,
conditions Hyperlipidaemia, Hypertension, Hypothyroidism, Multiple sclerosis, Parkinson’s disease, Rheumatoid arthritis,
Schizophrenia, Systemic lupus erythematosus, Ulcerative colitis

Where to get your medicine

Designated service providers (DSP) MedXpress

To avoid a 20% co-payment, you have Get your monthly medicine by using MedXpress,
to use MedXpress, Clicks or Dis-Chem. an ordering service that delivers or allows
in-store collection (see page 19).

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 Suite of patient management programmes
Personal Health Programmes
If you are registered on CIB for diabetes or a defined
list of heart-related conditions, you can access our
Personal Health Programmes to help better manage
your condition (see page 20).
Cover for cancer
If you’re diagnosed with cancer and once we
have approved your cancer treatment, you
are covered by the DiscoveryCare Oncology
Programme. We do not limit your cancer
treatment costs. We cover the first R200 000
of your approved cancer treatment over a
12-month cycle in full. If your treatment costs
more than the cover amount, you will need
to pay 20% of the additional costs. Cancer
treatment that is a Prescribed Minimum
Benefit is always covered in full.
Compassionate care
The Compassionate Care Benefit gives you access to holistic home-based end-of-life care up to R48 000
for each person in their lifetime.
HIVCare Programmes
When you register for our HIVCare Programme you
are covered for the care that you need. You can
be assured of confidentiality at all times.
All cancer-related healthcare services are
covered up to 100% of the DHR. You might have
a co-payment if your healthcare professional
charges above this rate.
Advanced Illness Benefit
Members with cancer have access to a
comprehensive palliative care programme.
This programme offers unlimited cover for
approved care at home for members
with cancer.
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 You get screening and
prevention benefits

Preventive screening is important in making sure

you detect medical conditions early

As a Discovery Health Medical Scheme member, you have access to screening and prevention
benefits that cover the following at any one of our wellness providers:

Screening for adults Screening for kids

Blood glucose Growth assessment tests including:

Blood pressure Height

Cholesterol Weight
Body mass index Head circumference
Mammogram Health and milestone tracking
Pap smear
PSA (a prostate screening test)
HIV screening tests
If you are 65 years and older, or registered
for certain chronic conditions, you are
also covered for a seasonal flu vaccine.

How we pay

Having these healthcare services (up to a specified number) does not affect your day-to-day benefits as
we pay these costs from the Hospital Benefit. Visit www.discovery.co.za for more information.

13
 You get cover for day-to-day
medical expenses

You have access to essential day-to-day cover

Cover for GP visits Cover for MRI and CT scans

You get unlimited GP
consultations when visiting
a GP in the Smart Plan network.
A R50 co-payment will apply
and the balance of the
consultation fee will be covered
up to the DHR. Video call
consultations with your
GP are covered in full.
day-to-day medicine
You get cover for a defined list
of acute medicine with a R10
co-payment for each medicine
item. This is limited to 12
prescriptions a person a year.
You need to collect your medicine
from your network pharmacy.
You must pay the first R2 750
of MRI or CT scan yourself.
We cover the balance of the
scan from your Hospital Benefit,
up to the DHR. For conservative
back and neck scans, specific
rules and limits may apply.

14
 You also get additional benefits
that enhance your cover
International second
opinion services
Through your specialist you have access
to second opinion services from Cleveland
Clinic for life-threatening and life-changing
conditions. We cover 50% of the cost of the
second opinion service. You will have to pay
for the rest of the cost.
Africa evacuation cover
You have cover for emergency medical
evacuations from certain sub-Saharan
African countries back to South Africa.
Pre-existing conditions are excluded.
Scopes
We pay for scopes (gastroscopy, colonoscopy,
sigmoidoscopy and proctoscopy) from your
Hospital Benefit, if it’s done in your doctor’s
rooms. We pay up to 200% of the Discovery
Health Rate.
15
Claims related to traumatic events
The Trauma Recovery Extender Benefit
covers out-of-hospital claims related
to certain traumatic events. Claims are
paid from the Trauma Recovery Extender
Benefit for the rest of the year in which the
trauma occurred, as well as the year after
the event occurred. You may need to apply
for this benefit.
International travel
You have cover of up to R5 million for each
person on each journey for emergency
medical costs while you travel outside of
South Africa. This cover is for a period of 90
days from your departure from South Africa.
Pre-existing conditions are excluded.
Frames and lenses
You can enjoy savings of 20% off frames
and lenses at an optometrist in our
network. Your discount is immediate
at the point of sale.
 Contributions

Main
member Adult Child*

Smart Plan R1 397 R1 099 R557

* We count a maximum of three children when we work out the monthly contributions.

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 Smart Hospital Network

Gauteng KwaZulu-Natal

Mediclinic Morningside Mediclinic Pietermaritzburg

Wits Donald Gordon Medical Centre Netcare St Augustine’s Hospital
Netcare Clinton Hospital JMH Isipingo Clinic
Life Roseacres Clinic Life Westville Hospital
Netcare Waterfall City Hospital Netcare Umhlanga Hospital
Life The Glynnwood
Life Wilgeheuwel Hospital
Western Cape
Netcare Krugersdorp Hospital
Clinix Lesedi Private Hospital
Mediclinic Panorama
Mediclinic Vereeniging
Mediclinic Constantiaberg
Mediclinic Medforum
Melomed Gatesville
Netcare Park Lane Hospital
Mediclinic Cape Town
Mediclinic Legae
Mediclinic Stellenbosch
Mediclinic Midstream
Melomed Mitchells Plain
Clinix Botshelong – Empilweni
Private Hospital Mediclinic Milnerton

Life Genesis Clinic

Life Fourways Hospital
Eastern Cape
Life Little Company Of Mary Hospital

Netcare Greenacres Hospital

Free State

Mediclinic Bloemfontein

Visit www.discovery.co.za for the latest list of hospitals and casualty units. Please note that this list is subject to change.
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 Tools and
services
to improve
your health

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 MedXpress

Convenient medicine ordering service

Discovery MedXpress is a convenient medicine ordering service, particularly for monthly chronic
medicine. Using Discovery MedXpress or a pharmacy that is in the designated service provider
network will ensure you get favourable rates for your approved chronic medicine.

The benefits of using Discovery MedXpress for chronic medicine

Y
 ou have full cover It is quick and convenient Y
 ou can reorder your
with no co-payments Delivery is free anywhere chronic medicine when
for medicine on our it’s convenient for you

You receive advice
medicine list
and updates

You have a choice in How to order

how you want to receive
your medicine

Discovery app www.discovery.co.za

Delivery to your door

medxpress@discovery.co.za Fax 011 539 1020

Collect in-store* Reorder online at www.discovery.co.za or by using the Discovery app.

MedXpress is brought to you by Discovery Health (Pty) Ltd. Registration number 1997/013480/07, an authorised financial services provider. *Selected stores
19
 Personal Health Programmes

Helping you manage your chronic condition

Our Personal Health Programmes are unique lifestyle programmes to assist you –
with the help of your Premier Practice GP – to actively manage your chronic condition
to make you healthier.

Our Personal Health Programmes are based on

clinical and lifestyle guidelines, and give you and
your GP the tools to better monitor and manage
your condition.

Any Discovery Health Medical Scheme member

registered on the Chronic Illness Benefit
for diabetes, hypertension, hyperlipidaemia
or ischemic heart disease can join a Personal
Health Programme.

Your Premier Practice GP will prescribe a chronic

disease management lifestyle programme for you.

You have the option to enrol on one of these

programmes via our website or through your
GP if they belong to the Discovery Health Premier How to join a Personal
Practice Network. Health Programme
In addition, the programme unlocks valuable
healthcare services such as dieticians and To join a Personal Health Programme, speak to your
biokineticists that you may require as part Premier Practice GP or visit www.discovery.co.za
of the programme. for more information.

Personal Health Programmes are brought to you by Discovery Vitality (Pty) Ltd, registration number 1999/007736/07 and Discovery Health (Pty) Ltd,
registration number 1997/013480/07. Authorised financial services providers. 20
 Discovery HomeCare

Private home nursing service

Discovery HomeCare is a unique home-based service that offers you quality care in the comfort
of your own home, with minimum disruption to your normal routine and family life.

Care offered What it entails

Home visits for healthy mother and baby if your gynaecologist /

obstetrician discharges you a day earlier from hospital. We will cover
Postnatal care
three day nurse visits, or one day nurse visit and two night care giver
visits, within a six-week period.

End-of-life care provided by nurses or care workers in partnership with

End-of-life care the Hospice Palliative Care Association of South Africa. Cancer patients
have access to this service through the Advanced Illness Benefit.

The administration of IV antimicrobials, iron treatment, steroids and

IV infusions (drips) immunoglobulins for patients whose condition is stable and hospital
admission is not required.

Wound care for venous ulcers, diabetic foot ulcers, pressure sores and
Wound care
other moderate to severe wounds for patients whose condition is stable
and hospital admission is not required.

These services are paid from the Hospital Benefit, subject to approval.

Discovery HomeCare is brought to you by Discovery Health (Pty) Ltd; registration number 1997/013480/07, an authorised financial services provider.
21
 Claiming made
easier and faster

You can submit your claims in any of these easy ways:

Smartphone app www.discovery.co.za

 ubmit the claim using the Discovery app.

S Log in to www.discovery.co.za
Download the Discovery app from

On the menu, hover over Health
the App Store or Google play.
and click on “Submit a claim”

Use the camera on your phone

Select “Upload now” and follow
to take a picture of your claim
the step
Use your phone to scan the QR code on
 
your claim provided by your health care
professional
Post

Email
Post your claims to:

Discovery Claims
Scan and email your claims to:
PO Box 784262, Sandton 2146
claims@discovery.co.za

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 HealthID

Your medical information in your doctors’ hands

HealthID is the first electronic health record application of its kind in South Africa. It puts
all your health records in your doctor’s hands so you won’t have to try and remember everything.
It also assists your doctor in interacting with us.

Give your doctor consent – log onto www.discovery.co.za

To benefit from HealthID, you will need to No unauthorised person will have access
give consent to each doctor you visit before to your personal medical information.
that doctor can access your health records.

With Discovery’s HealthID app doctors can:

1 2 3

Access your Apply for Write electronic

medical history and chronic cover prescriptions
electronic health records

4 5 6

View your Refer you to Prescribe

benefit another healthcare a Personal
information professional Health Programme

HealthID is brought to you by Discovery Health (Pty) Ltd. Registration number 1997/013480/07, an authorised financial services provider.
23
Tools to help better
manage your health plan
The Discovery app and website have both
been purpose-built to help you get the most
out of your health plan

Submit and Plan and View information Check medicine

track your authorise hospital on hospital prices and
claims admissions procedures alternatives

Access your healthcare Order medicine Find a healthcare

records and grant your for home delivery professional
doctor consent to view them

Access important documents Track your benefits

and medical spend

Translate your travel See your doctors

Watch
cover into one of five real-time availability
educational videos
languages and instantly book an
appointment
Build your family tree Consult with your
doctor online

www.discovery.co.za Download the Discovery app

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 Access to value-added
healthcare offers

You have exclusive access to value-added offers outside of the Discovery Health Medical Scheme
benefits and rules that are not available to members of other open medical schemes.

Access to a separate wellness Savings on stem cell banking

product
You get an exclusive offer with Netcells®
You have the opportunity to join the Biosciences that gives expectant parents
world’s leading science-based wellness the opportunity to cryogenically store
programme, Vitality, that encourages their newborn baby’s umbilical cord blood
you to get healthier. Not only is a healthy and tissue stem cells for potential future
lifestyle more enjoyable, it is clinically medical use at a discounted rate.
proven that Vitality members live longer
and have lower healthcare costs.

Savings on personal and family care items

HealthyCare items include a list of baby,

You can sign up for HealthyCare, a separate dental, eye, foot, sun and hand care
offer that helps reduce your out-of-pocket products, as well as first aid and emergency
spend on a vast range of personal items, over-the-counter medicine,
and family care products at any Clicks and products to stop smoking.
or Dis-Chem.

Vitality is not part of the Discovery Health Medical Scheme. Vitality is a separate wellness product sold and administered by Discovery
Vitality (Pty) Ltd. Registration number 1999/007736/07, an authorised financial services provider. HealthyCare is brought to you
by Discovery Vitality (Pty) Ltd. Registration number 1997/007736/07, an authorised financial services provider. Netcells® Biosciences
is brought to you by Discovery Health (Pty) Ltd. Registration number 1997/013480/07, an authorised financial services provider.

25
 General exclusions

Discovery Health Medical Scheme has certain exclusions

We do not pay for healthcare services related to the following, except where stipulated as part
of a defined benefit or under the Prescribed Minimum Benefits

General exclusion list includes

Cosmetic procedures and treatments Injuries sustained or healthcare services

Otoplasty for bat ears, port-wine stains arising during travel to or in a country at war
and blepharoplasty (eyelid surgery) Experimental, unproven or unregistered
Breast reductions or enlargements treatments or practices
and gynaecomastia Search and rescue
Obesity Any costs for which a third party
Frail care is legally responsible

Infertility We also do not cover the complications or the direct

Wilfully self-inflicted illness or injury
Alcohol, drug or solvent abuse
Wilful and material violation of the law
Wilful participation in war, terrorist activity, riot,
civil commotion, rebellion or uprising
or indirect expenses that arise from any of the
exclusions listed above, except where stipulated
as part of a defined benefit or under the Prescribed
Minimum Benefits.
For a full list of exclusions,
please visit www.discovery.co.za

Waiting periods:

If we apply waiting periods because you have never belonged to a medical scheme or have had a break in
membership of more than 90 days before joining the Discovery Health Medical Scheme, you will not have access
to the Prescribed Minimum Benefits during your waiting periods. This includes cover for emergency admissions.

If you had a break in cover of less than 90 days before joining the Discovery Health Medical Scheme, you may
have access to Prescribed Minimum Benefits during waiting periods.

26
 Complaints

Discovery Health Medical Scheme is committed to providing you with the highest standard
of service and your feedback is important to us. The following channels are available
for your complaints and we encourage you to follow the process.

Step 1 | To take your query further

If you have already contacted us and feel that your query has still not been resolved, please complete
our online complaints form on the website. We would also love to hear from you if we have exceeded
your expectations.

Step 2 | To contact the Principal Officer

If you are still not satisfied with the resolution of your complaint after following the process in step 1
you are able to escalate your complaint to the Principal Officer of the Discovery Health Medical Scheme
by completing the online form on the website.

Step 3 | To lodge a dispute

If you have received a final decision from Discovery Health Medical Scheme and want to challenge it, you may
lodge a formal dispute. You can find more information on the Scheme’s disputes process on the website.

Step 4 | To contact the Council for Medical Schemes

Discovery Health Medical Scheme is regulated by the Council for Medical Schemes (CMS). You may contact
the CMS at any stage of the complaints process but are encouraged to follow the steps above to resolve your
complaint before contacting the CMS directly. Members who wish to approach the Council for Medical Schemes
for assistance, may do so in writing to: Council for Medical Schemes Complaints Unit, Block A, Eco Glades 2 Office
Park, 420 Witch - Hazel Avenue, Eco Park, Centurion, 0157 or email complaints@medicalschemes.com.
Customer care centre: 0861 123 267 / website www.medicalschemes.com

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Discovery Health Medical Scheme

Contact Centre 0860 99 88 77 | healthinfo@discovery.co.za | www.discovery.co.za

www.discovery.co.za @Discovery_SA discoveryhealthSA

Discovery Health Medical Scheme is regulated by the Council for Medical Schemes.

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